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What is the difference between BR and BFR?

Example of comparison between BLR/BFR and Base Rate:
Loan/Financing amount: RM350,000
Tenure: 30 years

  Before 2 Jan 2015 After 2 Jan 2015
Reference rate

BLR/BFR = 6.85%

Base Rate = 4.00%

Interest/profit rate

BLR/BFR – 2.20%

BR + 0.65%

Effective interest/profit rate

4.65%
(6.85% - 2.20%)

4.65%
(4.00% + 0.65%)

Monthly instalment

RM1,804

RM1,804

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